It comes as a shock to most people: you are unable to work, you have been paying the disability insurance company regularly and on time (otherwise they would have cut off your coverage), then you get a letter from them saying that they have simply denied the claim. Sometimes a doctor that they hand-selected and hired said you weren’t entitled anymore and other times you are completely in the dark about the medical reasons for denial. Sometimes these things happens despite the opinion of your doctor that you are not able to work, sometimes it defies common sense, and, in my recent experience, sometimes it defies any basic element of compassion and humanity.
https://law123.ca/disability-i